Pets Best Insurance: Coverage anywhere in the world!

Your Pregnant dog is covered too!

Pets Best Insurance covers some things that other plans do not, such as Pregnancies (not all breeds). Also, you can travel Anywhere in the world. Only one other company in the USA offers this.

A good thing; if your pet has a cruciate ligament injury on one side of the pet, the other side won’t be considered pre-existing. Many companies say that if your pet had cruciate ligament injury on one side, the other side is considered pre-existing.

With Pets Best Insurance some pre-existing conditions may change to non pre-existing, for example, broken leg, once healed, may not be considered pre-existing.

Petsbest website is very informative and explains everything. They do not seem like they are hiding information.

No benefit schedule with Pets Best Insurance! Meaning, they reimburse you for what you pay.

The exact policy is different for every state.

Drawbacks of Pets Best Insurance:

• Don’t cover many specialists (only acupuncture and chiropractors). Specialists are often what end-up costing the big bucks!
• Maximum Lifetime limit- They have a maximum lifetime limit, although it is quite high, this could potentially be a problem if your pet comes down with something that is very expensive to fix. However, they have large per incident limits and so the likelihood of going over is lowered.
• Pre-existing coverage: their website says that they do not cover pre-existing conditions, this is typical, however, they also say that a dition can be considered pre-existing even if your pet has no signs or symptoms. In my opinion, this could potentially be a problem.
• Ongoing conditions- pets with ongoing conditions, such as diabetes, will not be covered for full health, instead you can get accident only.
• Congenital Conditions- They also don’t cover congenital conditions (conditions that your pet is born with, even if it’s not noticeable).

The recommended plan of Pets Best Insurance is Pets First with a $250 deductible.

When I phoned, I talked with Clint at 1866-929-3807 direct extension 304.

Below, I have created 2 charts. The first one is to give you a big picture of the overview of the costs and payments, and the second one is a more detailed chart. I have also answered any questions that you might have. If you have any more questions, feel free to Contact Me

Phone for quote. Generally for pets that already have pre-exisiting conditions

Pets Basic (20%)

$2500/yr, $42500 lifetime

$100 or 250 or 500

none

Yes

Dog: $ 9.37-28.43 Cat: $7.12-14.95

Pets First (20%)

$7000/yr, 100000lifetime

$100 or 250 or 500

none

Yes

Dog: $ 21.94-51.51 Cat: $16.69-26.43

Pets Premier (20%)

$14000/yr, 100000 lifetime

$250 or 500

none

Yes

Dog: $ 39.06- 67.53 Cat: $27.08-33.85

Deductible: you get to choose your deductible from $100, 250 or 500.
Their recommended plan is Pets First with a $250 deductible.

Detailed coverage Chart for Pets Best Insurance

Accident Only

Pets Basic

Pets First

Pets Premier

Vet fees Accident and Illness

$1500/incident, $10000 lifetime. Accidents ONLY

$2500/yr, $42500 lifetime

$7000/yr, 100000lifetime

$14000/yr, 100000 lifetime

Routine Care

–

Optional with BestWellness

Optional with BestWellness

Optional with BestWellness

Hereditary Conditions (if enrolled before age 2)

–

$500/lifetime

$1000/lifetime

$2500/lifetime

Hip dysplasia

–

Included if enrolled before age 2

Included if enrolled before age 2

Included if enrolled before age 2

Death (replacement cost of pet)

–

–

–

–

Euthanasia, Cremation or burial

–

$200/lifetime

$300/lifetime

$400/lifetime

Boarding (if owner hospitalized)

–

–

–

–

Holiday (trip cancellation)

–

–

–

–

Cover Abroad

ANYWHERE in the world

ANYWHERE in the world

ANYWHERE in the world

ANYWHERE in the world

Quarantine costs

–

–

–

–

Behavioural problems

–

$200/lifetime

$300/lifetime

$400/lifetime

Prescription meds

yes

yes

yes

yes

Dental (not teeth cleaning)

yes

$100 teeth cleaning if you get BestWellness

$100 teeth cleaning if you get BestWellness

$100 teeth cleaning if you get BestWellness

Alternative treatment

yes

$150/year (chiropractic and acupuncture only)

$250/year (chiropractic and acupuncture only)

$500/year (chiropractic and acupuncture only)

Pregnancy

–

$300/lifetime

$400/lifetime

$500/lifetime

Medical devices (ex. Wheelchair for dog)

yes

yes

yes

yes

Lost/Stolen pet adds

–

–

–

–

Third party liability

–

–

–

–

(dogs only)

Accidental Damage (tenant coverage)

–

–

–

–

Grooming and Bathing

–

–

–

–

Pet food, Nutritional supplements, vitamins, natural remedies

–

–

–

Vet fees- Illness or AccidentRoutine/Preventative care– The program for Routine care is BestWellness. The costs start at $22/month with no deductible, and cover upto $480 for dogs and $545 for cats. It covers certain amounts for: Annual exam, Annual vaccines, Spay/neuter, Teethcleaning, Blood panel, heart worm test, fecal test, flea and heart worm meds. This is a pretty good deal, since you will pay about $240/annually, and will get twice the benefit. This is especially good if you will get your pet fixed that year. The downside is that you can’t purchase this insurance on it’s own, you must purchase their main plan aswell. You can add or remove this option only at annual renewal (or when you first sign up).Hereditary conditions- if your pet is signed up before it’s 2nd birthday then they will be covered.Hip Dysplasia- included in list of hereditary conditions. Your pet must be signed up before it’s 2nd birthday for it to be covered.Death- is not covered.Euthanasia and Cremation and Burial- is covered for the Basic ($200) First ($300) and Premier ($400) plans upto the limit.Boarding– not covered.Holiday– not covered.Cover abroad– you are covered at ANY vet in the WORLD!Quarantine costs– are not covered, if your pet needs to be Quarantined to come back to the USA, or to travel.Behavioral problems– will cover medication and consultations with a licensed vet only for the Basic, First and Premier plans.Prescription Meds– they will cover veterinarian medicines that are approved by the FDA approved list of veterinarian drugs.Dental– is covered, and teeth cleaning is covered for Basic, First and Premier plans if get additional wellness plan.Alternative treatment-Acupuncture, chiropractic coverage is available.Breeding, Fertility, Pregnancy– Pregnancy can be covered for many breeds, however they do exclude some breeds as follows: Dog breeds: Bulldog, French bulldog, Boston Terrier, Chihuahua, Pug, Dachshund, Lhasa Apso, Maltese, Pekinese, Pomeranian, Schipperke, Shih-Tzu, Tea cup poodle, West Highland Terrier, Yorkshier Terrier. Cat Breeds: Himalayan, Persian.
However, Fertility and Breeding are not covered.Medical devices– are covered.Lost/Stolen Pet (Advertising to find pet if lost/stolen/strays) – not covered.Third party liability(dogs only)- not covered.Accidental Damage- not covered.Grooming and Bathing- not covered.Pet food, Nutritional supplements, vitamins, natural remedies- not covered.

Some Common Questions:

Lifetime insurer (will they cover on going conditions throughout pets life)?
Yes. The lifetime maximum is very high, so it is pretty much the same as an annual coverage plan. Their accident plan has a lower lifetime limit though.

Extras included?
If you refer a friend and they keep the plan for 35 days or more, then you will get points you can use as gift cards. Some states do not offer this, and so, for these states, that money will be donated to the Morris Animal Foundation.